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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $68,848 | $109,967-37.4% | $97,197-29.2% | $145,877-52.8% |
| Participation rate | 60.0% | 76.0%-16.0pp | 72.7%-12.7pp | 80.3%-20.3pp |
| Annual return | 11.31% | 244.27%-233.0pp | 75.47%-64.2pp | 551.28%-540.0pp |
| Employer contribution / active EE | $1,568 | $3,077-49.0% | $2,723-42.4% | $4,663-66.4% |
| Participant deferral / active EE | $4,110 | $4,676-12.1% | $4,263-3.6% | $6,691-38.6% |
| Admin fee / account holder | $6,492 | $6,199+4.7% | $5,637+15.2% | $13,402-51.6% |